that untilis recently not a lot of people knew about it. some people might have heard about it from their employer, maybe from the union but unless you were told about it by someone a lot of borrowers did not know the program existed even though they are working in the proper field. they may not have the right type of loan. the subprogram for borrowers with federal student loans but you have to have a certain federal student loan. what's known as a direct loan. the s fel under .rogram, you can consolidate those are a couple of the issues that borrowers might be facing. host: as far as the education department, what is it doing to assure, at least clarify, where people stand in this program? guest: nothing right now. some senators a few weeks ago wrote a letter to secretary put outking her to clearer guidance to streamline the application process. you're onat you know track for forgiveness as you submit a form called an player certification form. some information from you, from your employer but that is a paper process. the senators were ask